Bee, NE
How exposed is Bee to wildfire?
Bee's 161 buildings earn a 42nd-percentile wildfire-risk score nationally under USFS's model — modestly above the national average for wildfire risk. (Source: USFS's Wildfire Risk to Communities methodology.)
Separately from the risk score above, Bee's burn probability — fire likelihood with no building count factored in — sits at the 34th percentile nationally.
Where Bee's buildings actually sit
USFS classifies 74.5% of Bee's buildings as Minimal exposure, the largest of the three zones here by a wide margin over 25.5% Direct and 0% Indirect — a landscape-level risk rather than a building-by-building one.
Bee against the rest of the country
Bee's 42nd national percentile looks worse in isolation than its 25th ranking inside Nebraska does — this place is on the milder end for its own state, by 16 points. Among the 31,521 US communities USFS scores, Bee ranks 18,409 for wildfire risk (1 is highest) and 26,393 by building count (1 is largest). Within Nebraska alone, it ranks 435 of 583 places by risk. See the full county-by-county picture for Nebraska on its state page.
What this risk score means for insurance
Bee's elevated wildfire rating (42nd percentile) isn't the kind of score driving the carrier pullback making news in the highest-risk Western markets — but a standard homeowners quote is still worth comparing on its own terms.
Lowering exposure, not just insuring around it
Even with 74.5% of Bee outside USFS's Direct and Indirect zones, basic hardening — gutter maintenance, ember-resistant vents — is inexpensive relative to the regional burn-probability risk noted above. Details in the home-hardening guide.
Where Bee's figures come from
The methodology guide shows exactly how USFS turned 161 counted buildings into the percentiles shown above for Bee. The exposure-zones guide covers what Bee's dominant minimal exposure actually means, with real examples from across the dataset.